Insurance Plans Comparison
Aditya Birla Activ One VIP vs Aditya Birla Active Fit Preferred
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
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Activ One VIP
Activ One VIP Plan
What Makes It Special:
Activ One VIP is the global-cover-oriented Activ One variant, combining domestic health insurance with emergency international coverage and specified major-illness and maternity benefits outside India.
Best For:
Advanced treatment and wellness plan
Unlimited sum insured restoration
Family floater with extensive benefits
Ultra-high coverage health insurance
VS
Active Fit Preferred
Activ Fit Preferred
What Makes It Special:
Activ Fit Preferred combines hospitalization coverage with fitness rewards and maternity protection. It includes unlimited Binge Refill, HealthReturns and a maternity benefit over and above the base Sum Insured.
Best For:
Buyers wanting unlimited refill protection
Customers interested in fitness-linked rewards
Buyers planning for maternity
Younger families
Insurance Plans Comparison
Get Personalized Advice
Our insurance experts are here to help you make the right choice. Get personalized recommendations based on your specific needs and budget.
Quick Decision Guide
You enjoy wellness rewards and annual health check-ups from day one
You value maternity and modern medical treatments
You want freedom with no room rent or co-payment limits
You prefer unlimited sum insured refills (Super Reload)
You want very high medical coverage up to ₹6 crore
OPD consultation requires the relevant optional cover.
Health returns depend on wellness activity and applicable policy conditions.
The maternity waiting period should be considered before purchase.
Maternity benefits are a key differentiator of this variant.
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
Activ One VIP Health Insurance Plan VS VS |
Active Fit Preferred Health Insurance Plan |
| Room Rent |
|---|
Activ One VIP All room categories are covered |
VS VS |
Active Fit Preferred Any room for sum insured 5 lakh and above. |
| ICU Charges |
|---|
Activ One VIP No restriction on ICU room rent |
VS VS |
Active Fit Preferred No capping, covered up to sum insured. |
| Disease-wise sublimits |
|---|
Activ One VIP No |
VS VS |
Active Fit Preferred No broad disease sublimit identified; subject to policy terms. |
| Co-payment |
|---|
Activ One VIP Yes |
VS VS |
Active Fit Preferred No. |
| Cashless Healthcare Providers |
|---|
Activ One VIP 11000+ Healthcare Providers |
VS VS |
Active Fit Preferred 16,500 + current insurer network |
| Restoration Benefit |
|---|
Activ One VIP Not available |
VS VS |
Active Fit Preferred Binge refill - 100% sum insured, unlimited times |
| Daycare Treatment |
|---|
Activ One VIP Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured |
VS VS |
Active Fit Preferred All day care treatments covered up to sum insured. |
| Cumulative Bonus |
|---|
Activ One VIP Your sum insured increases by 50% every year, maximum up to 100% |
VS VS |
Active Fit Preferred 10% per year, up to 100% |
| Consumable Cover |
|---|
Activ One VIP Yes |
VS VS |
Active Fit Preferred Optional/subject to applicable cover |
| AYUSH Treatment |
|---|
Activ One VIP Covers AYUSH treatment expenses up to your annual sum insured during the policy period |
VS VS |
Active Fit Preferred Covered up to sum insured |
| Initial Waiting Period |
|---|
Activ One VIP 30 days |
VS VS |
Active Fit Preferred 30 days |
| Specific Waiting Period |
|---|
Activ One VIP 2 years |
VS VS |
Active Fit Preferred 24 months |
| PED Waiting Period |
|---|
Activ One VIP 3 years |
VS VS |
Active Fit Preferred 48 months |
| Modern Treatment |
|---|
Activ One VIP Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period |
VS VS |
Active Fit Preferred Covered up to sum insured. |
| Annual Health Checkup |
|---|
Activ One VIP Not available |
VS VS |
Active Fit Preferred Once every policy year |
| Pre-Hospitalisation |
|---|
Activ One VIP You get cover for medical tests and doctor visits up to 90 days before hospitalisation, if your main claim is approved |
VS VS |
Active Fit Preferred 90 days |
| Post-Hospitalisation |
|---|
Activ One VIP You get cover for medical bills up to 180 days after discharge, including physiotherapy if your doctor prescribes it |
VS VS |
Active Fit Preferred 180 days |
| Outpatient Department Cover (OPD Expense) |
|---|
Activ One VIP OPD expenses are covered |
VS VS |
Active Fit Preferred Optional cover |
| Deductible Option |
|---|
Activ One VIP Not available |
VS VS |
Active Fit Preferred Not established as a standard inbuilt benefit |
| Coverage Options |
|---|
Activ One VIP Available coverage options: ₹50 Lacs, ₹75 Lacs, ₹1 Cr, ₹2 Cr, ₹3 Cr, ₹4 Cr, ₹5 Cr, ₹6 Cr |
VS VS |
Active Fit Preferred Individual, multi-individual, family floater structure as applicable. |
| Claim Settlement Ratio |
|---|
Activ One VIP 96% |
VS VS |
Active Fit Preferred 97% |
| Maternity Cover |
|---|
Activ One VIP Available |
VS VS |
Active Fit Preferred Yes, 40,000 normal/60,000 C-section. |
Insurance Plans Comparison
Still Confused? Get Expert Advice
Our insurance experts are here to help you make the right choice. Get personalized recommendations based on your specific needs and budget.
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24/7 Claim Assistance
Get a dedicated expert managing your claim end-to-end, from hospital admission to approval, including dispute resolution and support
What Our Experts Help You With
Personalised Recommendations
Every suggestion is backed by expert analysis of your life stage, goals, and budget
Expert-Led Policy Review
We decode the fine print—identifying risks, sub-limits, and gaps you may have missed. No surprises later
Smart, Tech-Enabled Experience
From digital onboarding to real-time claim tracking, our platform makes insurance easy, accessible, and stress-free
Insurance Plans Comparison
Explore Insurance Category
Senior Citizen Health Plan
Secure against age-related medical costs
Tailored for seniors healthcare needs
Most Popular
Family Health Plan
One policy covers the entire family
High sum insured with cashless care
Multiple coverage options based on your family needs
Maternity Health Plan
Covers delivery, newborn care, and maternity expenses
Reduces financial stress of childbirth costs
Senior Citizen Health Plan
Secure against age-related medical costs
Tailored for seniors healthcare needs
Most Popular
Family Health Plan
One policy covers the entire family
High sum insured with cashless care
Multiple coverage options based on your family needs
Maternity Health Plan
Covers delivery, newborn care, and maternity expenses
Reduces financial stress of childbirth costs
Insurance Plans Comparison
Frequently Asked Questions (FAQs)
Having questions? We've got answers. Explore our FAQs to find the information you need.
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